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Which Delta Air Lines Credit Card Should You Get?

Picking the right one for you comes down to the perks you're looking for and the annual fee you're willing to pay.
Oct. 31, 2019
Airline Credit Cards, Credit Cards
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  • Platinum Delta SkyMiles® Credit Card from American Express
  • Delta Reserve® Credit Card from American Express

As a result, offers described on this page may be out of date. See our best credit cards page for updated offers.

Delta Air Lines flyers can choose among four consumer co-branded airline credit cards, which can accommodate newbies, leisure flyers and seasoned road warriors alike.

Delta cards aren’t your only choice for earning rewards toward flights, of course. General travel cards also have an allure.

But if you’re considering Delta-branded cards, which have some specific benefits, choosing the right one comes down to the perks you want and the annual fee you’re willing to pay.

» MORE: How to choose an airline credit card

The basics at a glance

Examining basic card features side by side helps when choosing.

 Blue Delta SkyMiles® Credit Card from American ExpressGold Delta SkyMiles® Credit Card from American ExpressPlatinum Delta SkyMiles® Credit Card from American ExpressDelta Reserve® Credit Card from American Express
Annual fee$0Introductory $0 intro for the first year, then $95$195 ($250 if application is received on or after 1/30/2020)$450 ($550 if application is received on or after 1/30/2020)
Free first checked bag?NoYesYesYes
Early boarding?NoYesYesYes
Rewards besides 2x miles on Delta purchases and 1x on everything else2x miles on restaurantsNoneNoneNone
Airport lounge accessNoDiscountedDiscountedYes
Companion certificateNoNoDomestic main cabin round tripNo
Foreign transaction fees2.7%NoneNoneNone

What’s different?

Annual fee

Like most mega-airline credit card lineups, Delta’s offerings go from low annual fee — in this case $0 — to a luxury card, in this case with airport lounge access, for $450. Terms apply.

The more you pay, the more rewards and perks you get. The key is evaluating whether you’ll use those extras and whether they’re worth paying the higher annual fee.

Checked bags and early boarding

Checked-bag-fee waivers can be a huge money saver when a single checked bag can cost $60 round trip. And Delta cards that offer it are generous, with the cardholder and up to eight others on the travel itinerary qualifying for a free first checked bag. Early boarding is also a perk many travelers enjoy. Terms apply.

The biggest difference here is the Blue Delta SkyMiles® Credit Card from American Express offers no free checked bags or early boarding. The other cards do.

Companion ticket

The Platinum Delta SkyMiles® Credit Card from American Express comes with an annual companion certificate, a rare and valuable perk that covers the cost of a round-trip domestic ticket for someone flying with you once each year. That alone could make up for the annual fee. Terms apply.

» MORE: Card perk: First-class companion ticket with Delta Reserve credit card


Spending rewards are mostly the same, with double miles for Delta purchases and 1 mile per dollar spent elsewhere. The only enhancement comes with the lowest-tier card, the Blue Delta SkyMiles® Credit Card from American Express, which additionally earns double miles on restaurant purchases. Terms apply.

Delta SkyClub access

The most expensive card comes with full access to the Delta-branded airport lounges. The lowest-tier card comes with no benefit. The middle two cards come with discounted daily access — $29 per day, as of this writing. Terms apply.

What’s the same?

Rewards currency

All cards issue rewards and bonuses in Delta SkyMiles.

» MORE: Delta Air Lines SkyMiles program: The complete guide

20% in-flight savings

All cards offer the same 20% statement credit for such in-flight purchases as food, alcoholic beverages and audio headsets on Delta-operated flights. In-flight wireless Internet access is excluded. Terms apply.

American Express

All cards come from the same issuer. American Express is widely accepted in the United States, but you may run into vendors abroad that won’t accept it.

Other choices

An airline card is not your only choice. General travel credit cards offer rewards that can be used on a variety of travel spending, not just a single airline. Redeeming rewards for credit against a Delta Air Lines purchase or other travel spending essentially “erases” it from your balance. That makes these cards a good choice for people who spread their business around.

Also keep in mind that some credit card rewards can be converted into Delta SkyMiles. Examples are Membership Rewards from American Express and points from loyalty programs of such hotels as Marriott, Hilton, IHG and Radisson.

How to decide

All but the most casual flyers might rule out the Blue Delta SkyMiles® Credit Card from American Express. It’s so short on perks, including no free checked bags, it might not be worth bothering with unless you really want SkyMiles and insist on an annual fee of $0. A simpler cash back card might yield more value.

Maybe the closest call for most Delta flyers is between the Gold Delta SkyMiles® Credit Card from American Express and Platinum Delta SkyMiles® Credit Card from American Express. If you’ll use the companion pass, step up to the Platinum Delta SkyMiles® Credit Card from American Express.

Airport lounge membership and a first-class domestic companion pass are differentiators for the Delta Reserve® Credit Card from American Express.

Ultimately, choosing the right card means picking your perks and deciding whether the annual fee — or lack of one — is right for you.

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